No Annual Fee Credit Cards

Credit cards with no annual fee are popular with users who pay off bills on time each month. No-annual-fee credit cards give responsible users a payment tool at no cost. At the same time, they allow people to accumulate cash back, earn points, receive bonus, or even receive perks such as free flights or hotel stays! In addition, you can use these no-fee credit cards to maintain good or excellent credit rating by constant credit card transactions and on-time payments. Check out these no-annual-fee Canadian credit cards that stand out.

  • New SimplyCash™ Card from American Express Cardmembers can earn 2.5% cash back on purchases (up to $150 cash back) for the first 3 months of Cardmembership.
  • Earn 1.25% cash back on purchases when your Welcome Rate ends
  • No limit to the amount of cash back you can earn after your Welcome Rate ends
  • Access to memorable experiences with American Express Invites®
  • Insurance coverage and 24/7 Customer Service
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply
Intro APR
N/A
Intro APR Period
N/A
Purchase APR
19.99%
Annual Fee
$0
  • Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 0.50% Money-Back Rewards on all other purchases.
  • Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 2% Money-Back Category.
  • No limit on the amount of Money-Back Rewards you can earn.
  • Change your 2% Money-Back Categories to suit your spending.
  • No annual fee
Intro APR
1.95% on Balance Transfers
Intro APR Period
6 months
Purchase APR
19.95%
Annual Fee
$0
  • Get 150 Bonus AIR MILES®* Reward Miles when you spend $1,000 within the first three months of Cardmembership
  • Earn 1 Mile for every $15 in Card purchases at AIR MILES®* Sponsors and 1 for every $20 in Card purchases everywhere else
  • Show your Collector Card and use your AIR MILES®* Gold Business Card at Sponsor locations to earn miles twice
  • Pay no annual fee. Plus, enjoy the flexibility to pay balances in full or over time
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply
Intro APR
N/A
Intro APR Period
N/A
Purchase APR
19.99%
Annual Fee
$0
  • 7.99% introductory interest rate on purchases for the first 6 months (19.99% after that)◊
  • Cash back on everyday spending with no annual fee
  • 1% cash back on eligible gas station, grocery store and drug store purchases and recurring bill payments
  • 0.5% cash back on all other eligible everyday purchases
  • Rates, fees and other information are effective as of Nov 1 , 2020. Subject to change.
Intro APR
7.99% on Purchases
Intro APR Period
6 months
Purchase APR
19.99%
Annual Fee
$0
  • 7.99% introductory interest rate on purchases for the first 6 months (19.99% after that; annual fee $0 )◊
  • Cash back on everyday spending with no annual fee
  • 1% cash back on eligible gas station, grocery store and drug store purchases and recurring bill payments
  • 0.5% cash back on all other eligible everyday purchases
  • Rates, fees and other information are effective as of Nov 1 , 2020. Subject to change.
Intro APR
7.99% on Purchases
Intro APR Period
6 months
Purchase APR
19.99%
Annual Fee
$0
  • Get closer to your new car with up to 5% in GM Earnings
  • Earn 5% in GM Earnings on the first $5,000 spent annually, and 2% thereafter
  • $1 in GM Earning = $1 off the purchase price or lease of a new Chevrolet, Buick, GMC, or Cadillac
  • No earning or redemption caps
  • Rates, fees and other information are effective as of Nov 1 , 2020. Subject to change.
Intro APR
N/A
Intro APR Period
N/A
Purchase APR
19.99%
Annual Fee
$0
  • Earn 2,500 bonus SCENE points with your first $500 in everyday purchases in first 3 months◊
  • Earn 1 SCENE point for every $1 you spend on credit card purchases
  • Earn 5 SCENE points for every $1 you spend on SCENE Visa purchases at participating Cineplex Entertainment theatres or online at cineplex.com
  • Rates, fees and other information are effective as of Nov 1 , 2020. Subject to change.
Intro APR
N/A
Intro APR Period
N/A
Purchase APR
19.99%
Annual Fee
$0
  • Earn 5,000 bonus Scotia Rewards points with your first $500 in everyday purchases in first 3 months◊
  • Earn one Scotia Rewards point on all eligible everyday purchases
  • Flexible Point Redemption
  • Rates, fees and other information are effective as of Nov 1 , 2020. Subject to change.
Intro APR
N/A
Intro APR Period
N/A
Purchase APR
19.99%
Annual Fee
$0
  • New Choice Card from American ExpressTM Cardmembers, apply by May 5 and earn 12,500 Bonus Membership Rewards® points when you charge $1,250 in purchases to your Card in your first three months of Cardmembership
  • Earn 1 point for every $1 in Card purchases
  • Charge an eligible purchase to your Card and redeem your Membership Rewards points for a statement credit (Eligible travel purchases: 1,000 points = $10 statement credit. All other eligible purchases: 1,000 points = $7 statement credit)
  • With American Express Experiences and Front Of The Line®, American Express Cardmembers get access to amazing events in Canada
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply
Intro APR
N/A
Intro APR Period
N/A
Purchase APR
19.99%
Annual Fee
$0
Subscribe to our latest articles, news, and promotions!
Leave a Reply, And Voice Yourself

Please enter your name
Please enter your email